This web site is Attorney Advertising -
ur felis erat. Mauris Di Serif. Nullam lorem sapien
Contact Us At
(845) 531-
As stated above, any money in the bank can be garnished. We have had people call us two to three years after a judgment to say that their bank account is frozen or their wife’s, husband’s, children’s, aunt’s, even people on social security. (Technically creditors cannot garnish social security funds but I have seen it happen). You generally do not receive notice of the garnishment until after a check bounces or a debit card transaction is declined. Also, just because you don’t have assets now doesn’t mean you won’t have assets 5, 10 years from now. If you try to buy a house or a car, apply for a job, rent an apartment the judgment will most likely cause a
Credit Card Company or Bank Lawsuits.
I do not have any assets so there is no reason for me to fight.
problem. There are law firms and collection agencies whose sole focus is the collection of judgments. We would like to tell you that they won’t try to collect the judgment but that is generally not the case these days. Judgment collection is far more intrusive due in part to the authorities granted by the entering of a judgment.
I know I owe the debt.
First things first, you may have owed a debt at one point in the past. But as we have stated the plaintiff, whether original creditor or debt buyer, as a plaintiff has the burden of proving through admissible evidence that you had an account and that there is an outstanding balance on that account that you are responsible for paying.
I do not have any money to pay them.
I do not have money to hire an attorney.
We have settled cases for 10%, 20% up to 50% of the original demanded amount. We have negotiated payment plans for people who could not make lump sum settlements. Most of these cases take three to six months or longer to resolve. If we can not get the case dismissed there is time for you to put aside some sort of payment in an attempt to settle with a lump sum or to begin making significantly reduced amicable payments.
We charge a flat fee to handle these cases. Most attorneys want significantly more then what we charge and they usually want it in one payment. M. Cabrera & Associates understands that most people who call us are still experiencing financial distress. It is this reason that we offer payment plans and always work with the individual to try and come to a payment agreement that works for the both of us.
They never provided me with proof that I owe them so I will just ignore them.
At this point they are not going to give you any proof. This is a lawsuit that requires a response from you. Don’t ignore the lawsuit! If you don’t answer or respond to the case and a judgment is entered against you, the argument is over – you owe the debt. Your arguments down the road don’t matter. Now is the time to fight it! We will represent people who have judgments entered against them. It is an additional charge and we can often get the judgment vacated returning the matter back to its original state of requiring an answer. At this point we fight the lawsuit as if the judgment had never been entered. Remember fight the case now it will save you money in the long run.
I will just defend myself.
There are people out there who are more then capable of defending themselves. Unfortunately most people do not know civil procedure or how to respond to discovery demands or motions. There are blogs and websites all over the web trying to give people advice on how to defend one of these suits. These cases are usually one shot deals and legal process is complicated and it is laced with traps. If you make a mistake in your pleadings or miss a deadline or one of hundreds of ways to sabotage your defense you generally have no recourse and lose your day in court. We advise all our clients that this is an option you could choose. We do not advocate the most people defending themselves in a court of law. They have hired an attorney to sue you. You should hire an attorney to defend your rights.
The firm can not and does not guarantee any specific outcome. The firm will diligently and aggressively pursue the dismissal of your case. If we can not get your case dismissed with prejudice we will attempt to aggressively negotiate a reduced settlement on your behalf.